Axis Bank My Zone Credit Card- Good for Dining & Entertainment, No Travel Benefits

Benefits on Online Food Delivery via Swiggy

With this credit card, you can get a flat Rs. 120 off on food delivery at Swiggy. Below mentioned are the offer details:

• The maximum discount is capped at Rs. 120 per order
• You can avail the discount up to 2 times a month
• The offer is applicable on a minimum spend of Rs. 500
• Use coupon code “AXIS120” to avail the discount

The Swiggy Discount is a good advantage of Axis Bank My Zone Credit Card, as you can avail annual benefits of up to Rs. 2,880. For someone who uses Swiggy several times in a month, this card can give a decent value back. However, the benefit on Swiggy should not be the sole criterion for choosing this card as Swiggy loyalists can save more via the HDFC Swiggy Credit Card. Besides, those looking for savings on online food delivery without any brand preferences, might consider card options that offer benefits on both Zomato & Swiggy. Some cards to consider are HDFC Millennia Credit Card, HDFC Moneyback+, etc.

Buy One Get One Free on Paytm Movies With your Axis My Zone Credit Card, you can get a 100% discount on the second movie ticket at Paytm Movies.

• The maximum discount in a calendar month per customer is Rs. 200
• Use coupon code “AXIS200” to avail the discount
• No reward points are earned on movie transactions

Even while the movie benefit is restricted to Paytm Movies, it should not be a concern for users as for ticket bookings, brand preferences hardly hold any importance. However, the monthly capping is low at Rs. 200 and might not be sufficient for those looking for ticket benefits at premium theaters.

Free SonyLiv 1 Year Subscription

With this card, you will get complimentary SonyLIV Premium annual subscription worth Rs. 999 on your first spend within the first 30 days of card issuance. The eligible customers will receive the voucher code via SMS on their registered mobile numbers. You are also eligible for the SonyLIV Premium membership renewal on spending Rs. 1.5 lakh in a card anniversary year.

The movie benefit on Axis My Zone Credit Card, combined with the SonyLIV subscription, makes it a good card for entertainment. SonyLIV subscription is worth Rs. 999 and you can avail up to Rs. 1,200 cashback on movies, giving a total benefit of Rs. 2,199 in a year. The best part is it can be renewed every year on achievable spends of Rs. 1.5 Lakh. Thus, users spending even a nominal value of Rs. 12,500 per month across multiple categories, can get this membership renewed.

Shopping Benefits at AJIO

You can save up to Rs. 1,000 on your transactions at AJIO as per the below details:

• Up to Rs. 1,000 off at AJIO on a minimum transaction of Rs. 2,999. Use coupon code “AJIOAXISMZ” to avail the discount on select items. This offer is effective from May 1, 2023.

Shopping discount on AJIO, can be a good feature for those who like online shopping once in a while, and can find their choice of apparel, footwear, accessory, etc at AJIO. However, the offer is valid on selected items, thereby restricted options for users to derive the maximum benefit.

With your Axis Bank My Zone Credit Card, you are entitled to earn EDGE reward points on every purchase you make as per the below details:

• 4 EDGE reward points on every Rs. 200 spent via this credit card

Note: No reward points will be credited for movie, fuel, insurance, wallet, rent, utilities, education, government institutions and EMI transactions. The EDGE reward points can be redeemed against a variety of items, including vouchers, mobile accessories, home decor, computer accessories, etc. Check the EDGE Rewards Catalogue for options to redeem points.

The reward structure on the card is not very satisfactory, to be called a good rewards credit card. Besides, it comes with a low redemption value of just Rs. 0.20 per reward, along with a long list of exclusions covering even everyday categories like rent, utilities and wallet reloads. Thus, users seeking overall better reward benefits on most of their purchases might be disappointed.

Following are the additional Axis Bank My Zone Credit Card benefits:

• 1 complimentary access to select airport lounges within India per calendar quarter
• 1% fuel surcharge waiver (Max. Rs. 400 per statement cycle) on fuel transactions between Rs. 400 and Rs. 4,000
• Convert your transactions of Rs. 2,500 and above into EMIs
• Up to 15% off (Max. Rs. 500) at partner restaurants in India under the ‘Dining Delights’ program via EazyDiner. This is applicable twice per month on a minimum transaction of Rs. 1,500.

Axis Bank My Zone Credit Card is a good option for those who are looking for all round benefits without having to pay a high annual fee. If your monthly online spends are inclined towards the co-branded partners, AJIO, Swiggy and Paytm Movies, and you prefer Sony LIV for your OTT entertainment, this card is a suitable choice. However, the benefits might not be sufficient if you want all rounder reward benefits on all your spends. You can choose to apply for this card as per your spending patterns and preferences. Some pros and cons of this card are as follows: